Equity
€138,739 ▲ 4.9%
Digital-Stewards paid out €42,000 in dividends. That is 87% of the 2025 profit.
Digital-Stewards
Lifetime
5 annual accounts with figures on one time axispeak €277,623 (2022)
€236,187▲ 4.7%
lowest -€43,952 (2023)
€48,454▲ 120%
peak €154,176 (2022)
€138,739▲ 4.9%
€124,201▲ 60.7%
Board2 names since 2019
2 directorsDe Koninck Nico and 1 other
Documentsfilings and deeds
03-07-202628 days before the deadline
2025micro format
Result from €22,061 to €48,454Dividend €42,000Debts from €77,266 to €124,201Cash from €146,911 to €212,484
Key points
from the 2025 annual accountsTurnover
≈ €360,000 estimated
The micro format states no turnover.
Staff
3 employees on 31-12-2025
In 2025, 1 person joined and nobody left.
Filings
5 annual accounts 1 late
The 2022 accounts came 8 days late. The other four were filed on time.
Starting capital
€5,000 50 shares
Position in the sector
€236,187
Higher gross margin than 95% of companies in computer programming and consultancy. Sector median €54,238 · 21,205 companies.
Checked score
94
Excellent
Financially stronger than 53% of micro companies in computer programming and consultancy (NACE 62)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
< 0.1% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.1% across 25,932 companies (NACE 62, micro).
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.1%
01-2025: 0.1%● unchanged vs 12-2024
02-2025: 0.1%● unchanged vs 01-2025
03-2025: 0.1%● unchanged vs 02-2025
04-2025: 0.1%● unchanged vs 03-2025
05-2025: 0.1%● unchanged vs 04-2025
06-2025: 0.1%● unchanged vs 05-2025
07-2025: 0.1%● unchanged vs 06-2025highest value
08-2025: < 0.1%▼ -0.1 percentage points vs 07-2025
09-2025: < 0.1%● unchanged vs 08-2025
10-2025: < 0.1%● unchanged vs 09-2025
11-2025: < 0.1%● unchanged vs 10-2025
12-2025: < 0.1%● unchanged vs 11-2025
01-2026: < 0.1%● unchanged vs 12-2025
02-2026: < 0.1%● unchanged vs 01-2026lowest value
03-2026: < 0.1%● unchanged vs 02-2026
04-2026: < 0.1%● unchanged vs 03-2026
05-2026: < 0.1%● unchanged vs 04-2026
06-2026: < 0.1%● unchanged vs 05-2026
07-2026: < 0.1%● unchanged vs 06-2026
08-2026: < 0.1%● unchanged vs 07-2026
09-2026: < 0.1%● unchanged vs 08-2026
10-2026: < 0.1%● unchanged vs 09-2026
11-2026: < 0.1%● unchanged vs 10-2026
Financial strengthStrong
Score breakdown
lowers risk
Liquidity: current ratio 1.96, cash €212,484
Sector: Computer programming, consultancy and related activities (NACE 62)
Size: total assets €262,941
Equity €138,739 (52.8% of total assets)
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 62, micro). It does better than 45% of them on solvency, 60% on liquidity, 56% on profitability and 50% on growth.
The bankruptcy probability was computed on 09-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 26,972 companies had the same profile as Digital-Stewards has now. Each dot stands for 68 companies, two years later.
94.9%
were still trading
3.4%
stopped another way
1.6%
went bankrupt
Another 0.1% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of Digital-Stewards itself is lower: < 0.1% within 12 months. It rests on far more data about Digital-Stewards than the profile alone.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 26,972 companies, not a prediction for Digital-Stewards. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €13,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 1.96 (2.3 in 2024), above the usual 1.5. Short-term debt is 47.2% and cash 80.8% of total assets. 47.2% of the assets are financed with debt and provisions.
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Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
Signals
5 signals, none raises the risk
Five signals.
lowers riskneutral
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 03-07-2026, 28 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
28 days early
2024
29 days early
2023
44 days early
2022
8 days late
2021
34 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 5 accounts on average 25 days before the deadline. In the sector (NACE 62), the median for financial year 2024 was 9 days before the deadline, and 33% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 2 July (4 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
10-11-2026 today31-12-2026 year end31-07-2027 deadline
Board and ownership
- Tobac Jonas 25 sharesdeed of 16-10-2019
- De Koninck Nico 25 sharesdeed of 16-10-2019
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0735680365
Changes of role: DEKONINCK Nico (director) and TOBAC Jonas (director)
Legal-form conversion: from general partnership to private limited company · General meeting of 31-03-2021 · Gazette deed
First establishment
Goswin III-laan 17, Leuven
Incorporation
Founding capital of €5,000, 50 shares · Founders: Tobac Jonas and De Koninck Nico · Appointments: Tobac Jonas (manager) and De Koninck Nico (manager) · published on 16-10-2019 · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| Digital-Stewards Leuven | €262,941 | €236,187 | 52.8% | - |
| AMANA CONSULT Brussels | €251,952 | €227,319 | 34.0% | - |
| The Mobility Factory Schaerbeek | €280,431 | €237,254 | 59.9% | - |
| Appgrade Dendermonde | €279,613 | €245,017 | 61.6% | - |
| Go For Cloud Zonhoven | €263,216 | €209,691 | 86.6% | - |
| Steamy Windows Ghent | €236,444 | €258,488 | 13.3% | 8.3 |
| BRIVINCO Geel | €296,572 | €212,025 | 27.2% | - |
These companies have the same main activity as Digital-Stewards: computer consultancy and computer facilities management (NACE 62200). They are comparable in size and age: total assets between €236,000 and €297,000, founded between 2018 and 2019.
Official details
Source: KBO- Status
- Active since 24-09-2019Normal situation
- Activity
- Computer consultancy and computer facilities managementNACE 62200and 1 other
- Joint committee
- 200Auxiliary committee for white-collar workers · annual accounts 2025
- Establishment unit
- 2.297.536.8523001 Leuven, since 04-10-2019
- Financial year end
- 31 December
- Peppol
- Reachable since 06-10-2025
Annual accounts 2025
- €262,941▲ 25.5%
- Employeeson 31-12-2025
- 3▲ 50.0%
- Filing
- Filed on 03-07-2026, 28 days before the end of the filing period
Insights on Digital-Stewards
Digital-Stewards files the micro format. That format states no turnover. The gross margin rose from €139,302 in 2021 to €236,187 in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about Digital-Stewards
- What is the company number of Digital-Stewards?
- The company number of Digital-Stewards is 0735.680.365. The VAT number is the same number with BE in front: BE 0735.680.365.
- Where is Digital-Stewards based?
- The registered office is at Goswin III-laan 17, 3001 Leuven.Company details
- What does Digital-Stewards do?
- According to the KBO register, the main activity is computer consultancy and computer facilities management (NACE 62200).
- What is the legal form of Digital-Stewards?
- Digital-Stewards is a private limited company (BV).
- When was Digital-Stewards founded?
- Digital-Stewards was founded on 24-09-2019.
- Is Digital-Stewards still active?
- Yes, Digital-Stewards is an active enterprise in the KBO register.
- How many employees does Digital-Stewards have?
- Digital-Stewards had an average of 2.1 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
- Which joint committee does Digital-Stewards fall under?
- In its 2025 annual accounts, Digital-Stewards states joint committee 200 (Auxiliary committee for white-collar workers).
- What is the turnover of Digital-Stewards?
- The turnover in financial year 2025 is ≈ €360,000. This figure is estimated from the gross margin of €236,187 and 42 comparable companies (NACE 62200). It probably lies between €330,000 and €450,000.
- Is Digital-Stewards profitable?
- In financial year 2025, Digital-Stewards made a profit of €48,454.
- Where can I find the annual accounts of Digital-Stewards?
- Digital-Stewards filed 5 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of Digital-Stewards due?
- Digital-Stewards must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
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